What happens if you have an accident on your bike, and are seriously disabled, or killed? Even with good medical insurance, how will your living expenses be covered? What will happen to your family?
Many cyclists are concerned about this, including an avid and adventuresome cyclist from Richmond, with 23 years in the insurance business. Jay Paul writes:
“Most of our cycling brethren have health insurance. Those who don’t have coverage now will in all likelihood be forced to obtain coverage under 2010 Health Care Reform Legislation within a couple of years. Because of this, I was not overly concerned with Major Medical issues. I was most concerned with cognitive impairment, paralysis, death, and in-hospital stays. These medical scenarios are what scare me and most of the cyclists with whom I have spoken. Personally I am most concerned with paralysis and cognitive impairment as either of these conditions could financially ruin most of us who otherwise have relatively secure financial houses even if they have strong medical insurance coverage.
I saw a need for inexpensive coverage that would pay for things like Para transit vehicles, home modifications, in house nursing, motorized wheelchairs, and other expenses not covered by major medical insurance. These expenses could financially ruin an individual or family who previously had enjoyed the trappings of a middle or upper class American home dependent on current income.”
So Jay and his company, Affinity Group Underwriters, are creating an insurance product to address this need. But they need your feedback about benefits and pricing. Please take the time to complete a survey, and read about the proposed benefits.
Join the Chesapeake Bay Foundation, BikeWalk Virginia, and Mathews County for the annual Tour de Chesapeake, and Bikes, Bands and the Bay Festival — May 13-15, 2011 — a weekend of riding, great music, and water activities that celebrate the beauty of the Bay. Not quite in shape for Mountains of Misery? Tour de Chesapeake is as flat as Virginia gets! [continue reading…]
Wednesday, March 30, 3:00 – 4:30 p.m. EDT
Register here: https://www2.gotomeeting.com/register/852395306
Attend this free webinar if you want to learn how to increase the number of women cycling for transportation in your community.
This webinar builds on last year’s session, “Writing Women Back into Bicycling.”* Five speakers offer compelling insights about cycling projects run by inspiring women, illuminate what women told APBP they want in a cycling environment, and suggest best practices to help you make a difference in your community. Don’t miss the stories of some of the wonderful women leading the cycling movement, and results of APBP’s 2010 survey on Women Cycling. [continue reading…]
Over Two Dozen Represent Virginia Cyclists
Cyclists from across Virginia converged on the Capitol Thursday to let Congress know that Virginians want transportation choices for the Commonwealth.
A broad coalition from all corners of the state – including bike commuters, recreational cyclists, mountain bikers, bike shop owners and even manufacturers – expressed support for a comprehensive Transportation Bill that will fund safe walking and riding.
The existing Transportation Enhancement Fund which some congressional members have called on to be eliminated is the primary funding source for bicycling accommodations today.
The team stressed that giving people the means to ride and walk safely is smart fiscal policy. With pressure to eliminate unnecessary federal spending and with the difficult economy, bicycling and walking are basic forms of transporation that provide many benefits – like decreased highway congestion, health and exercise, environmental benefits and decreased use of increasingly expensive foreign oil – and allow citizens a choice for alternatives to driving their cars.
We emphasized that in lean fiscal times, bicycling means getting back to basics.
The message was well received.
Thanks to everyone who joined us in Washington for this important event.
The updated schedule of March 10 Virginia meetings on Capitol Hill is both posted below and attached. The first two meetings listed are the only changes from Friday, March 4.
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